Post-Separation Mortgage Strategy
Navigate your next chapter with clarity and support
Going through a separation or divorce is never easy — emotionally or financially. At Valko Financial, we’re here to help you take control of your next chapter with non-judgmental, personalized guidance that puts your future first. Whether you’re navigating a buyout, refinancing on your own, or looking to secure a new place to call home, we’ll build a plan that supports your stability, independence, and peace of mind.
From removing or adding names on a mortgage, to consolidating joint debt or accessing equity, we work closely with lawyers and mediators to ensure your financial transition is as smooth as possible. You don’t have to figure it all out alone — we’re here to help you move forward with confidence.
This service is ideal if you’re separating and want to stay in your home, plan to buy independently, or need to protect your credit and financial future during a split.
Can I qualify for a mortgage on my own after a separation?
Yes — even if your income or financial situation has changed. We’ll help you understand your borrowing power, explore lender options, and create a strategy to qualify based on your new circumstances.
How do I remove my ex-partner’s name from the mortgage or property title?
This typically involves refinancing the mortgage in your name alone and updating the legal ownership through your lawyer. We’ll guide you through each step and work with your legal team to make the process as smooth as possible.
What if we have joint debt — can that be separated too?
Yes. Refinancing or debt consolidation can help divide joint liabilities and protect your credit. We’ll help you create a plan to manage debt fairly and minimize the long-term financial impact of your separation.
We just renewed our mortgage with Samantha. She was excellent and made the process very easy. She responded to my questions often within an hour of me emailing and got us a great deal. We felt very taken care of.
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Stacey L
11 days ago
I had the pleasure of using Valko Fianancial for three homes now. I cannot reiterate how smooth and easy the whole process was from start to finish. I worked with Matt S this time around. And he was very calm, easy to chat with and got all the stuff in place making it a super stress free closing. I highly recommend them as they tend to find the best rates at the time of purchase and really talk to you about it. Answer all your questions respectively. 5 ⭐️!
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Natalie Nagy
13 days ago
We absolutely love our new home and we couldn’t have done it without Cindy White! She went over and beyond to make sure we felt comfortable with our purchase. Cindy was transparent and awesome to work with. This is our second time working with Cindy, highly recommended.
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Eston Simon
21 days ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.